Excessive Activity fee for each withdrawals ~ $1.00 After 1 Free per Quarter.

Maximum Withdrawals/debits Per Month -6

1. Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum balance that must be maintained is equal to the "Minimum Daily Balance to Earn APY" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days notice of withdrawal may be required. Fee's could reduce earnings on all accounts.

2 Reordered Visa Check Cards after the first one, a charge of $5.00 will apply.

3. Pre-authorized automatic and telephonic transfers to a third party or another account of the depositor of this Bank are limited by Federal Regulation to six per month.